Clarifi

What Clarifi does

Clarifi is a 501(c)(3) nonprofit organization headquartered at 1635 Market Street in Philadelphia, founded in 1964 as the Consumer Credit Counseling Service of Delaware Valley and rebranded as Clarifi. It is the largest provider of financial and housing empowerment services for low- and moderate-income (LMI) residents of Southeastern Pennsylvania, New Jersey, and Delaware. The organization employs 51-100 staff across eight physical offices (Center City Philadelphia, Northeast Philadelphia, Jenkintown, University City, Upper Darby, Cherry Hill NJ, Wilmington DE) plus telephonic channels, and offers free, unlimited, certified financial counseling and housing counseling, a low-interest home repair loan program (Restore, Repair, Renew), benefits-access assistance (BenePhilly), free tax filing (VITA), direct cash grants, and a reentry program for justice-impacted individuals. Core services are delivered by counselors holding HUD, NFCC, NeighborWorks, and Pennsylvania Housing Finance Agency certifications, and debt management plans are administered through its affiliation with GreenPath Financial Wellness. There is no proprietary technology platform; the service model is intentionally human-centered and trauma-informed.

Clarifi's business model is grant-, donation-, and contract-funded rather than fee-based: all client-facing services are free. Program revenue is composed of foundation grants (e.g., William Penn Foundation $845K, TD Ready Challenge $1M), corporate and individual donations, government contracts and partnerships with the City of Philadelphia, Philadelphia Housing Authority, Philadelphia Redevelopment Authority, and the PA Department of Community & Economic Development, and partnership-driven in-kind support from employers and financial institutions such as Penn Community Bank and Macquarie. The Restore, Repair, Renew program intermediates low-interest home equity loans (3% fixed, 10-year, $2,500-$50,000) funded through participating lenders; Clarifi earns administrative fees on the program rather than retaining loan interest. Go-to-market is community- and partnership-led: clients are reached via referrals from hospitals (CHOP), courts (Philadelphia Municipal Court), corrections and reentry partners (US Attorney's Office, Ardella's House), housing authorities, schools, social-service agencies, employer financial wellness programs, and direct community outreach. In 2025 the organization reported 6,404 counseling sessions delivered to 3,224 households, $1M in direct grants disbursed, $6.22M secured for home repairs, and an average $811 per client in debt reduction.

Name

Clarifi

Legal name

Consumer Credit Counseling Service of Delaware Valley

Website

https://clarifi.org

Company type

Private

Founded year

1964

Operating status

Operating

Headcount range

11–50 employees

Short description

Clarifi is a Philadelphia-based 501(c)(3) nonprofit that provides free financial counseling, housing counseling, low-interest home repair loans, benefits access, tax preparation, and direct cash assistance to low- and moderate-income residents across Southeastern Pennsylvania, New Jersey, and Delaware.

Ownership category

akta.pro rank

Product category

Consumer Credit and Housing Counseling Services

NAICS

Community Housing Services (62422), Other Individual and Family Services (624190), Emergency and Other Relief Services (624230)

SIC

Services-Social Services (8300)

akta.pro primary industry

Housing Assistance & Homeless Services (BPAGAEAB)

akta.pro secondary industries

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC), Affordable Rental & Multifamily Housing Finance Programs (LIHTC/Tax Credits/Subsidized Loans) (FSALAKAF), Down Payment Assistance (DPA) Credit Enhancement & Subsidy Programs (FSALAJAI)

Keywords

• Consumer credit counseling
• Housing counseling services
• Financial empowerment programs
• Home repair loans
• Nonprofit benefits access

Headquarters

HQ city

Philadelphia

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Foundation Grants: Clarifi receives significant funding from foundations including William Penn Foundation ($845,000 grant), TD Ready Challenge ($1 million grant), and other corporate foundations. These grants support specific programs like homelessness prevention, home repair, and financial counseling.
2. Government Funding: Clarifi partners with government entities including the City of Philadelphia, Pennsylvania Department of Community & Economic Development, and Philadelphia Housing Authority to fund programs.
3. Individual and Corporate Donations: Clarifi receives monetary contributions from individuals and corporations through online donations, payroll giving, direct stock donations, and Donor-Advised Funds.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Clarifi is a nonprofit financial and housing empowerment organization that delivers free, certified counseling, low-interest home repair loans, benefits access support, and direct cash grants to low- and moderate-income residents of Greater Philadelphia. Its two core service pillars are Financial Empowerment Counseling and the Housing Success Program, supplemented by Restore, Repair, Renew 3% home repair loans, BenePhilly benefits access, free VITA tax filing, Direct Assistance cash grants, Delco Home Stabilization, and a Re-entry Program for justice-impacted individuals.

Product overview

Clarifi is a nonprofit financial and housing empowerment organization serving Greater Philadelphia (Southeastern Pennsylvania, New Jersey, and Delaware). The organization operates as a service provider rather than a technology platform, offering a unified suite of counseling and assistance programs. Core offerings include Financial Empowerment Counseling and Housing Success as the main service pillars, supported by specialized programs: Restore, Repair, Renew (home repair loans), Delco Home Stabilization, BenePhilly (benefits access), VITA tax assistance, Direct Assistance (cash grants), and a Re-entry Program for justice-impacted individuals. All services are provided at no cost to clients through partnerships and funding. The organization does not offer a software product or technology platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Empowerment Counseling Relationship-based financial counseling, coaching, and asset-building activities that helps clients achieve self-set goals through personalized action plans and unlimited sessions at no cost. Serves low- and moderate-income residents of Southeastern Pennsylvania, New Jersey, and Delaware.
• Housing Success Program Targeted interventions and case-management style counseling that helps clients find and stay in safe, secure, and sustainable housing through trauma-informed counseling, advocacy, and case management. Provided at no cost to eligible residents of Greater Philadelphia.
• Restore, Repair, Renew Home Repair Loans City of Philadelphia and PHDC initiative administered by Clarifi offering 10-year fixed-rate 3% interest home equity term loans ranging from $2,500 to $50,000 for eligible low- and moderate-income homeowners (income at or below 120% of area median) to fund health, safety, weatherization, and accessibility property repairs.
• Delco Home Stabilization Pilot program for Delaware County homeowners with low-to-moderate incomes providing home equity counseling, housing counseling, financial empowerment, free home assessments, construction coaching, and technical assistance for home repairs.
• BenePhilly Benefits Access Free one-on-one help to Philadelphia residents applying for public benefit programs including SNAP, LIHEAP, Medicaid, Property Tax/Rent Rebate, and utility assistance programs, delivered via a dedicated helpline (1-800-994-5537).
• Volunteer Income Tax Assistance (VITA) IRS program providing free tax filing support for eligible taxpayers with income of $70,000 or less, offered during tax season (January–April) through IRS-certified VITA volunteers at Clarifi's Center City office.
• Direct Assistance (Cash Grants) Cash grants combined with certified counseling to help families unlock economic mobility through financial and housing stabilization support; grants up to $5,000 are available through Penn Community Bank partnership.
• Re-entry Program Partnership with the City of Philadelphia, US Attorney's Office, and Ardella's House providing financial empowerment counseling combined with cash assistance to help justice-impacted individuals stabilize their financial and housing situation after incarceration.
• Debt Court Navigator Program to serve clients in Philadelphia Municipal Court, increasing participation in debt court, reducing default judgments, and lowering barriers for Philadelphians facing debt collection lawsuits.

Quantifiable outcome

• 6,404 counseling sessions provided to 3,224 households in 2025
• +7 more outcomes

Named customers11 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core and minor.

• City of PhiladelphiacoreStrategic or Co-development PartnerCity of Philadelphia partners with Clarifi on Restore, Repair, Renew home repair loan program and other housing initiatives. The City provides funding and program framework while Clarifi provides counseling and administrative support.
• Philadelphia Redevelopment Authority (PRA)coreStrategic or Co-development PartnerPRA partners with Clarifi on the Restore, Repair, Renew program, providing low-interest home equity loans to eligible Philadelphia homeowners through participating lenders.
• Philly Joy BankminorStrategic or Co-development PartnerPhilly Joy Bank, a guaranteed income pilot for pregnant Philadelphians, partners with Clarifi to provide financial counseling to participants, helping them leverage additional income for long-term financial security.
• Children's Hospital of Philadelphia (CHOP)minorStrategic or Co-development PartnerMedical Financial Partnership with CHOP provides free tax preparation and financial counseling services to families at CHOP's Karabots location, regardless of income.
• Philadelphia Housing Authority (PHA)minorStrategic or Co-development PartnerPHA partners with Clarifi to provide housing counseling and support services to public housing residents.
• US Attorney's OfficeminorStrategic or Co-development PartnerPartnership with US Attorney's Office and City of Philadelphia for reentry program supporting justice-impacted individuals with financial and housing counseling.
• Ardella's HouseminorStrategic or Co-development PartnerPartnership with Ardella's House providing combined financial and workforce resources to justice-impacted Philadelphians.
• Common ImpactminorStrategic or Co-development PartnerCommon Impact facilitated Macquarie Group's Pro Bono Marathon Day engagement with Clarifi, helping improve organizational engagement strategy.

Scale indicators14 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Springboard Nonprofit Consumer Credit Management: Nonprofit HUD-approved housing and credit counseling agency serving multiple US regions with financial education, foreclosure prevention, and pre-purchase counseling — directly comparable to Clarifi's service mix.
• Take Charge America: National nonprofit credit counseling and debt management agency offering financial education and housing counseling. Direct peer in service offerings, certifications, and grant-funded operating model.
• Money Management International (MMI): One of the largest US nonprofit credit counseling agencies, offering debt management, housing counseling, and financial education. Highly comparable to Clarifi in services, certifications, and target segment.
• Navicore Solutions: Nonprofit financial counseling and housing agency providing credit counseling, debt management, and homeownership education. Highly comparable operating model and target clientele to Clarifi.
• Apprisen (now Apprisen Insights): Nonprofit HUD-approved housing counseling and financial wellness agency offering pre-purchase, foreclosure prevention, and credit counseling. Comparable service model and target population to Clarifi.
• GreenPath Financial Wellness: National HUD-approved nonprofit credit counseling and debt management agency. GreenPath is Clarifi's direct affiliation partner for debt management plan administration, making it the closest operational peer in both service model and target population.
• Cambridge Credit Counseling Corp. Nonprofit credit counseling organization specializing in debt management and consumer credit education. Direct peer comparable in service offering and customer demographic.

Regional players

• Habitat for Humanity Philadelphia: Regional nonprofit focused on affordable homeownership in Greater Philadelphia through home construction and repair. Adjacent to Clarifi's housing success programs (especially RRR) within the same geography and underserved demographic.

Broad incumbents

• National Foundation for Credit Counseling (NFCC): National membership organization for credit counseling nonprofits. Acts as a parent network that agencies like Clarifi affiliate with; comparable industry incumbent but operating as a network/coordinator rather than direct service provider.
• Operation HOPE: National nonprofit delivering financial wellbeing, credit counseling, and small business programs with broader scope than Clarifi. Comparable mission and free-service model, but operates at national scale with a broader portfolio.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/WeClarifi
• LinkedInlinkedin.com/company/clarifi-lifelong-financial-literacy
• Facebookfacebook.com/WeClarifi

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Clarifi